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There are five main components that determine your credit score: Payment History (35%), Amounts Owed (30%), Length Of Credit History (15%), New Credit (10%), and Types Of Credit Used (10%).

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It took 14 long years and many false hopes, but I finally broke 800 on my credit score back in September, 2013!It’s almost 2018 now and my 800 credit score has remained steady.This is why I urge you to check your credit score once a year to make sure there no errors, especially if you are planning to refinance or take out a significant loan.My latest credit score check came due to my application for the Discover credit card I plan to use for all my travel related expenses.Lenders don’t want to lend more money to people who are already using up all their line of credit.

My story: In the past I had mortgages, student loans, a car loan for one year, and zero revolving credit card debt. I purposefully try to keep my primary mortgage at around one million dollars because I think that is the ideal mortgage amount for tax benefits based off my income.More reading: Will A Late Credit Card Payment Affect My Credit Score?The goal is to figure out how much credit is too much for a given borrower.I was determined to pay my student loans on time because the government provides a rate reduction incentive after 12 consecutive months of on-time payment.I have actually missed credit card payments around seven times over the past 14 years because I simply forgot or was traveling when my payment was due.If you are first starting out, lenders will base your creditworthiness on your occupation and debt levels.